PPI Reclaiming Discussion part 4

WorthyCandidate

Hi folks,

I have ran a consistently high balance on my RBS credit card and only today I became aware of the fact that I have been paying Payment Protection.

When I opened the account, Payment Protection was explained to me as being 'cover for extended warranty, goods being stolen that were purchased on the card, holiday or flights being cancelled, etc).

A quick call to them today has revealed that they this is actually payment protection for sickness, illness, unemployment.

I have a personal loan with RBS and have never had such cover with them. Also, I have previously had a mortgage with them and again elected not to have any cover. The point I am making is that if I knew exactly what this credit card cover was, then I would never have agreed to it.

Do people think this is worth raisinh with them?

I should add that I have had this account and have been charged for this cover for nearly 9 years!!!!

Apologies if I sound a bit dumb here but I am genuinely shocked that I have been paying this for so long now.

amersall

Hi there,you have no other form of credit with ppi,this a good reason you may have been mis sold.
The card number is the one you use to make a claim.

Look here for reasons for mis sell http://www.moneysavingexpert.com/reclaim/ppi-credit-card-insurance#step2


and if any/all apply to you then put a claim in.
In this link is everything you need to know about making a claim.

dilus

beamerguy wrote: »

Hi everyone, getting fed up with the disgusting attitude of these criminal banks ??

YOUR VOICE NEEDS TO BE HEARD
Suggest you send a copy of this letter to everyone you can think of who might, just might take notice. That includes Cameron, your MP Milliband, newspapers, TV, FSA, FOS ...... put on your thinking cap !


Dear Sirs,

RE: REPAYMENT OF MIS-SOLD PPI POLICIES BY THE BANKS

No doubt you are fully aware that since the recent court case regarding mis-sold PPI policies, consumers whose money was stolen from them, are struggling to get claims paid.

The banks are using every stalling tactic they can dream up to delay payments.

Many banks are just referring complaints back to FOS well knowing that it will create a delay of some 8 weeks in their favour.

THE BANKS CONCERNED ARE
BARCLAYS
EGG
MBNA
LLOYDS / HBOS / HALIFAX
NATWEST
ROYAL BANK OF SCOTLAND
CAPITAL ONE
MORGAN STANLEY
HSBC
TESCO
VIRGIN
ABBEY / SANTANDER
.... to name but a few ?

The FSA seem to lack powers in this matter, The FOS is now getting into a backlog situation

All the public want, is to be refunded for the money stolen from them in this massive fraudulent scam operated by the banks.
Out of interest, are the authorities simply not interested in The Fraud Act 2006 to which all the banks are guilty of ?
If the authorities can ignore the laws, why would you expect the public not to do the same ?

The banks are currently treating the authorities, the FSA, FOS, the goverment, the courts and consumers with the utmost contempt

In light of this mockery, how can anyone expect the consumer to have faith in the future where banks and authorities are concerned

Yours faithfully

Great letter beamerguy, need to keep bumping it

cappo

WorthyCandidate wrote: »

Hi folks,

I have ran a consistently high balance on my RBS credit card and only today I became aware of the fact that I have been paying Payment Protection.

When I opened the account, Payment Protection was explained to me as being 'cover for extended warranty, goods being stolen that were purchased on the card, holiday or flights being cancelled, etc).

A quick call to them today has revealed that they this is actually payment protection for sickness, illness, unemployment.

I have a personal loan with RBS and have never had such cover with them. Also, I have previously had a mortgage with them and again elected not to have any cover. The point I am making is that if I knew exactly what this credit card cover was, then I would never have agreed to it.

Do people think this is worth raisinh with them?

I should add that I have had this account and have been charged for this cover for nearly 9 years!!!!

Apologies if I sound a bit dumb here but I am genuinely shocked that I have been paying this for so long now.

Sounds to me like you were misold then, put a claim in.

cappo

amersall wrote: »

These are over 10 years old,this is why they have offered you the 3 amounts,if you have the agreements,send these to them (copies) and they will pay you the full redress.
If you dont then you may have to accept the offers they have made.

Hi ame how are you my woman?:D:D;););););)

villan501

Hi folks im still awaiting a reply from mint I have no idea who the contact is. Thanksin advance

amersall

cappo wrote: »

Hi ame how are you my woman?:D:D;););););)

Good Steve x:D:D:D as you are too i hope?

villan501

dilus wrote: »

Great letter beamerguy, need to keep bumping it

Tesco paid me in full in only 6 weeks and I had no copy of agreement and no real idea of what I had borrowed

amersall

villan501 wrote: »

Hi folks im still awaiting a reply from mint I have no idea who the contact is. Thanksin advance

Hi, i could only find this.

MINT Classic Card, MINT Gold Card 0870 410 0870
MINT Platinum Card 0870 908 0000
Customer service address
MINT,
Customer Service Centre,
PO BOX 5747,
Southend-on-Sea,
SS1 9AJ

Dont know the e mail,someone may post who does.

cappo

amersall wrote: »

Good Steve x:D:D:D as you are too i hope?

Lovely thanks mate, looking forward to christmas:eek::eek: don't know where the years gone lorraine, any good wins lately?